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You may download the Commingled Fund's Declaration of Trust and other available information from this site, or contact your J.P. Morgan client advisor or J.P. Morgan Retirement Specialist at 1-877-JPM-IODC If you require more information. Plan sponsors and other plan fiduciaries responsible for determining or recommending plan investments should carefully consider the investment objectIves, risks, charges and expenses of the Commingled Funds carefully before investing.

The JPMorgan Chase Bank. NA. Commingled Pension Trust Funds (the Commingled Funds) are not mutual funds and are exempt from registration under federal secunties laws. Each Commingled Fund is a collective investment fund established, operated and managed by JPMorgan Chase Bank. N.A.. as Trustee, under a Declaration of Trust and in accordance with 12 CFR 9.18. Each Commingled Fund is a group trust within the meaning of Internal Revenue Service Revenue Ruling 81-100. as amended.

The Commingled Funds are intended exclusively as a medium for the collective investment aria reinvestment of assets of(a) trusts of pens.on, profit sharing, 401(k), or other retirement plans that are qualified under section 401(a) of the Internal Revenue Code and exempt from taxation under section 501(a) of the Internal Revenue Code. (b) governmental plans as defined in section 414(d) of the Internal Revenue Code, (c) eligible governmental plan trust or custodial accounts under section 457(b) of the Internal Revenue Code that are exempt under section 457(g) of the Internal Revenue Code, and (d) other collective or commingled investment funds or insurance company separate accounts that consist exclusively of the assets of trusts and plans descnbed in (a) through (c).

JPMorgan Chase & Co. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (Including any attachments) is not intended or wntten to be used, and cannot be used. in connection with the promotion, marketing or recommendation by anyone unaffiliated with JPMorgan Chase & Co. of any of the matters addressed herein or for the purpose of avoiding U S. tax related penalties.

We believe the information provided here is reliable but should not be assumed to be accurate or complete. The views and strategies described my not be suitable for all investors.